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Verify with Micro-Deposits

Micro-deposits verify that a user has access to an account. Read below for information on how to get started.

Steps Verifying and Reinitiating Micro-Deposits.

1. Link Bank Account with Account/Routing: Prior to this step, you will need to link a bank account (ACH-US node) with Account/Routing. If the account has not been verified, it will have CREDIT permissions.

2. Initiate Micro-Deposits: Micro-deposits are automatically initiated when a bank account is linked with Account/Routing, assuming the user's KYC is complete.

3. Check Bank Statement: Within 1-2 business days, the user will see two small transactions (less than $1 each) on their bank account statement.

4. Verify Micro-Deposit Amounts: The user must return to your application and submit the two micro-deposit amounts. If the amount is correct, the node will receive CREDIT-AND-DEBIT permissions.

A successful response will return the node information with "allowed": "CREDIT-AND-DEBIT". If an incorrect amount was passed, the node will stay in "allowed":"CREDIT" and the node timeline will be updated with note": "Invalid Micro Deposit amounts attempted".

Do not try to guess micro deposit amounts. Nodes lock after 5 incorrect attempts. If the user has misplaced micro-deposits, we recommend Reinitiating Micro-Deposits.

Sandbox Test Values

Here are the test micro-deposit values for sandbox:

Micro-Deposit Amount 1

Micro-Deposit Amount 2

0.10

0.10

Reinitiating Micro-Deposits

If a user cannot locate their micro-deposits, please reinitiate micro-deposits. Micro-deposits can only be reinitiated 2 more times after the node is created.

If the node is locked for too many invalid attempts, please reach out to the us at [email protected] with the node ID and the micro-deposit amounts so we can verify the amounts manually.